Who Are We?

Jacob (Ya’akov) and Rinat at Sneg Mortgage Team are not only partners in their mortgage firm but also a married couple and proud parents to three daughters. Our high on-line ranking is not only thanks to our accumulated 30+ years of experience, but more thanks to a community of amazing clients that see us as their team in creating and increasing their wealth through smart and creative real estate purchases.

We provide:

A complete financial solution to families and investors

Access to 40+ lenders and banks, which will ensure that we get you to where you want to be

“Canada-wide services with raving clients in Ontario and Calgary among other provinces

Proactive use of the mortgage as a tool to achieve family goals far beyond purchasing a home

Constant analysis of the market to understand where and when to buy

Client support for you after you purchase to advise with future planning and managing your tenants

Our role doesn’t end after we find you the best mortgage. You’ll find we ask many questions, ones which may not seem directly related to finding a mortgage: We do this so we can save you the most money over the life of your mortgage, not just the in next five years.

A good rate today is important, but you shouldn’t stop there. It’s about understanding and workimnh the fine print in contracts and creating flexibility to control how much we can save for you.

Contact Us

Our Services

What we do!

Our Vision, Your Success

We think that every family needs a few properties to secure their future. This becomes more challenging over time. We are here to create your Real Estate portfolio, not only as a living arrangement, but as an alternative pension plan or a way to build your family’s future.

Mortgages Tailored For You

With 40+ lenders and banks that each provide 10-15 mortgage plans, we have access to 400+ mortgage programs that update daily. Each client gets their own customized mortgage, addressing their unique needs. We’ll work as a team to achieve your current goals and plan for the future.

Home Purchase Process

We’ll take you through the full process of buying a home to guarantee a stress-free journey resulting in a happy home. With us, you’ll take a close look at the planning and preparation processes along with decision-making steps, all to ensure that your money is saved both now and in the future.

Need Mortgage Approval? Fill Out Our 1 Min Application Form and We Will Get Back To You Shortly

Testimonials

Read what they are saying about us

I feel very fortunate to work with Jacob when I was refinancing my condo in Vancouver. Being an American, I was not nearly as familiar with Canadian RE practice as I was with the US ones. Many things that I took for granted in the US RE market work totally differently in Canada, and many times the differences, when discovered aftermath, would have caused me a heart attack. Fortunately Jacob was always generous and genuine with his advice. Exactly what you need from a service professional, someone who has integrity, expertise, and honesty to help you not only with the task at hand but also with future plannings and strategies. I will enlist Jacob’s service again with a heart beat and I would recommend him to my friends and family without the slightest hesitation.

Haward Ho

We all go through divest experiences throughout our lives. Working with Rinat and Jacob was one of the special and unique experiences that we will hold onto, as one of those who leaves a great feeling, and therefore we’ll highly recommend her.

In the last 2 years the rate we paid on our mortgage on our house was as much as double then what was available in the market. In order to change the situation and save our money we met with few experts, unfortunately none of them came up with the right solution for us.

A close friend referred us to Rinat. Although all conversation has been done from far, we did not feel that the distance caused any limitation. From the start we felt that someone , and this comes from a lady we got to recognize only by a photo attached to the signature of her e-mail.

The process was complex, many details were involved, but Rinat remembered every one of them as if it was her own mortgage file. On top of it the process was handled in a most punctuate fashion overcoming a time difference between the provinces.

We knew that Jacob was there with us along the way backing up the whole process, although we got to talk to him only on the last conference call that took 2 hours.

Thank you for a most professional and personal service, Irena and Shalva, Toronto

Irena and Shalva

As first time home buyers we were intimidated about the mortgage, banks and the whole daunting process of getting the best rate with best terms and conditions. After all, this is the largest purchase of our lives and a lifelong commitment.

We had a couple of recommendations for mortgage brokers from friends, colleagues, and our realtor but after reviewing them we decided to go with Jacob and Rinat. Now we know that we couldn’t have made a better choice.

The first meeting with Jacob and Rinat was at their office in Richmond where they listened to us attentively and understood what we want. Then they provided us with various options that are suitable to our situation and needs.

All our communication with Jacob and Rinat afterwards was either via phone or email which is very convenient specially for busy people like ourselves. Both Jacob and Rinat were always contactable, responded almost immediately to all our enquiries, and provided valuable advice and guidance navigating the mine field that is mortgage loans! They also gave us advice and tips how to deal with our debts and other matters even though they were not related to the mortgage or house purchase.

When Jacob and Rinat sensed that the interest rates will go up, they immediately contacted us and in a very short time succeeded to secure the lowest fixed rate possible for 5 years! My bank was not able to match neither the rate nor the terms and conditions. The lowest my bank could offer us was 0.5% higher than what Jacob and Rinat secured, and the prepayment privileges were less friendly.

Our experience with Jacob and Rinat is very positive. They are very professional and very prompt in answering all questions. They respond very quickly to email and always answer the phone, even after hours. They explain everything thoroughly and clearly and provide valuable advice, guidance and tips. Several of our colleagues and friends have already used Jacob and Rinat’s services, and we have since recommended them to many more. We would definitely use Jacob and Rinat’s services again.

Victor Toama

I feel compelled to let all my FB Friends know what an INCREDIBLY AWESOME realtor* and mortgage guy Michael and I have…they have absolutely worked MAGIC for us and we are ECSTATICE…please read and pass along to everyone you know! These guys are the best!…FYI… there is NO kickbacks involved to us! Just want to pass along our experience…Spread the word!

* Barb used a realtor of our team, that we referred her to.

Barb Sleath

Jacob was recommended to me back in 2010 when I was in a financial crisis. I spoke to him for about 5 minutes on the phone when I just knew that everything was going to be alright. I had no clue how it was going to happen…I just let Jacob work his magic. He is extremely proactive, and works seemingly nonstop until he gets those amazing results. He has helped me out on two separate occasions and I would not hesitate in recommending him HIGHLY to anyone needing any kind of financial and mortgage assistance. What sets Jacob apart is the fact that working with him means building a relationship – he does not say goodbye after the contracts are signed…rather he stays by your side to see that you are successful in your financial future. To those in need..just dial Jacob – trust me…it will be the best, and last call you will every make

Hi Rinat, I just wanted to take a moment on behalf of Michael and myself to thank you so very much for the time and effort you put into our meeting on Wednesday night. It is very evident that both you and Jacob embrace your work with passion….and we feel extremely fortunate to have you guys in our life. Our circumstances are beginning to take a monumental turn for the better, and there is no doubt that the Sneg’s played a huge part in that. If we don’t see you before Christmas, I wish you and your family a magical holiday season. Barb Sleath

Barb Sleath

I have to thank David to introduce me to you , and to you for finding for me the best deals and treating me as family … you are a very good man ..and yes , i trust you!

Clara

Jacob has provided me getting my first loan and it was real pleasure to work with him. Jacob quickly assessed my situation, that previous consultants considered complex and difficult to resolve. Moreover, he gave me a different perspective and analysis of the options and actually turned into a loan investment. Jacob provided a rapid exchange of information throughout the process and keeping me informed of all the current changes so far. I was impressed by his erudition, deep professionalism and knowledge of the market of financial services. I would certainly recommend Jacob to everyone, who looking for a new loan or refinancing and get difficulties in this sphere Jacob has provided me getting my first loan and it was real pleasure to work with him. Jacob quickly assessed my situation, that previous consultants considered complex and difficult to resolve. Moreover, he gave me a different perspective and analysis of the options and actually turned into a loan investment. Jacob provided a rapid exchange of information throughout the process and keeping me informed of all the current changes so far. I was impressed by his erudition, deep professionalism and knowledge of the market of financial services. I would certainly recommend Jacob to everyone, who looking for a new loan or refinancing and get difficulties in this sphere

Alexander Machnev

This is not the first time our family and the families of our older kids are turning to professional services of Jacob Sneg (Mortgage Expert Jacob Sneg). We are extremely grateful to him for his sensitivity, care and attention to the needs of his customers. When Jacob Sneg works with you, you get the feeling that you are his only client. He keeps in mind all the details of your case, do not delay you with the answer, and the exchange of necessary information by e-mail and phone comes with a speed comparable only with the game of ping pong. You know that you are not the only client of Jacob and even more surprised how, with some patience and tact, he is conducting the business Heartily involvement is permeated his communication with customers of different generations, for people older Jacob is a respectful son, to peers – like an older brother, to younger people – as a caring father. Jacob Sneg is able to naturally combine professional excellence with a common humanity. Our family is with great joy and confidence recommends Jacob Sneg as a remarkable professional in his field to all your friends and acquaintances. Jacob, we wish prosperity and longevity to you, your family and your business. This is not the first time our family and the families of our older kids are turning to professional services of Jacob Sneg (Mortgage Expert Jacob Sneg). We are extremely grateful to him for his sensitivity, care and attention to the needs of his customers. When Jacob Sneg works with you, you get the feeling that you are his only client. He keeps in mind all the details of your case, do not delay you with the answer, and the exchange of necessary information by e-mail and phone comes with a speed comparable only with the game of ping pong. You know that you are not the only client of Jacob and even more surprised how, with some patience and tact, he is conducting the business Heartily involvement is permeated his communication with customers of different generations, for people older Jacob is a respectful son, to peers – like an older brother, to younger people – as a caring father. Jacob Sneg is able to naturally combine professional excellence with a common humanity. Our family is with great joy and confidence recommends Jacob Sneg as a remarkable professional in his field to all your friends and acquaintances. Jacob, we wish prosperity and longevity to you, your family and your business.

Yuriy Kostritsyn

Jacob has provided mortgage solutions in a very personable way and always had time to explain various details.

Lilian Cazacu

Jacob is a very knowledgeable mortgage broker. He delivers results on time

Svitlana Kominko

I highly recommend Jacob Sneg as a mortgage broker. He is professional and knowledgeable

Elena Zhukova

Jacob Sneg is the best mortgage broker I’ve ever worked with. Personal approach, creativity and professionalism are just a few characteristics describing Jacob’s work. Buying a house is always stressful, but Jacob manages to deal with this calmly, focusing on the goals and maintaining pleasant work atmosphere. He always follows up, provides timely updates and demonstrates sensitivity for the customer’s needs. And in the end – the results are great: best deal available on the market. I have used Jacob’s services twice and I’m going to do this for the 3rd time

Stas Podoxin

I, Serguei Bazov, and my wife Jenny know Jacob Sneg since 2004. We are one of his very happy clients, who are very satisfied with Jacob’s help in arranging mortgages during all these years. We have done 9 mortgages with Jacob, and every time he has demonstrated exceptional knowledge of the financial market, dedication to the client’s needs and high professional skills. We always felt that our mortgage is the best available and fits our needs. On top of it, Jacob has nice personality, it always very pleasant to deal with him

Jenny Bazov

I, Serguei Bazov, and my wife Jenny know Jacob Sneg since 2004. We are one of his very happy clients, who are very satisfied with Jacob’s help in arranging mortgages during all these years. We have done 9 mortgages with Jacob, and every time he has demonstrated exceptional knowledge of the financial market, dedication to the client’s needs and high professional skills. We always felt that our mortgage is the best available and fits our needs. On top of it, Jacob has nice personality, it always very pleasant to deal with him

Jenny Bazov

I have had the pleasure of working with Jacob and he is a true professional. Nowadays, it is hard to find someone who cares about you more than the money… Jacob is this man. I would highly recommend Jacob to all my family and friends

Michael Sachs

I recommend Jacob. He is very professional

Edward Soares

Jacob has deep and detailed knowledge of the subject and did a great job for me many times. I would recommend him, as a mortgage broker to everybody

Tanya Driving School

Jacob provided great mortgage brokerage services to my family and I and enabled us to qualify for our second home. Jacob was extremely helpful in making the transition from our previous home to our new one a very easy and relatively stress-free experience. Overall I am very happy with Jacob’s services and would gladly recommend him to any of my friends and family.

llan Lanzador

Very efficient and good Mortgage Broker

Denis Epiktetov

We decided to work with Rinat and Jacob because of a very warm recommendation coming from my best friend. I also heard some unique stories about the way they lead their business. After we met, I knew these are the people I’d like to work with: Honest, fair, aim to create clarity, Don’t care about their own gain and share and have only -me-the client in the center.

In one meeting with them they had it all planned out for me. They helped me structure my financial and occupational future so I’ll be able to achieve my goals in few months .I was willing to buy immediately, but they advised me to wait.

I loved the fact they would not rush me to close a deal and kept my interests in heart. They guided me to take the time and follow the plan they detailed, this way I’ll have an access to the best deal and most attractive mortgage packages.

When time was right, we put an offer and got it immediately accepted. Then started a race to remove subjects. Jacob and Rinat insisted on removing all conditions, by subject removal date (in few business days) so we’ll get a solid bank commitment for a mortgage.

The way they handled the process was beyond our expectations. They were available to us even at midnight; they did anything to secure the deal and improve the mortgage terms while working to satisfying all conditions. The most amazing thing was that that we ended up with a better mortgage deal then they initially promised.

I recall one of my conversation with Rinat. It was 10:00pm. She called and told me she thought a lot about our last discussion and would like to take a different route. She gave me an alternative plan to follow. I was amazed to see how she is invested in me. In 5 years from now, when time comes for renewal, There won’t be anyone else for me but Rinat and Jacob .They don’t work nine to five. They are fully committed to their clients. They really care.

Ilana and Roman Binenbaum

Renu and I would like to thank you for making this house purchase a reality, we truly appreciate it. I got your letter and gift, that was very nice of you. We were impressed with your work and definitely look forward to working together in the future, thanks again!

Daniel Joseph

At the time of placing the Mezzuzah in my new home I want to formally thank you for your guidance over the years in giving me clarity in the obscure mortgage world; I of course thank you also for putting my new mortgage in place and helping me in the in and outs of the complex process of moving.

I thank you greatly for introducing me to my realtor Raphael Arazi. I had barely met him that he found the place I would eventually buy. He helped me tremendously in the negotiations to buy a wonderful apartment by Granville Island – and I can’t wait to have you visit me here. He’s a great guy and I consider him as new friend. Thanks again,

George

Thank you so much for the gift card and the popcorn! We enjoyed both this week-end JAnd most of all, thank you so much for all your help arranging the mortgage!! We can’t wait to move into our new home. I will most certainly be mentioning your name to all my friends. Your professionalism and expertise are outstanding, and we thoroughly enjoy working with you.

Olga Kuznetsova

This is not the first time our family and the families of our older kids are turning to professional services of Jacob Sneg (Mortgage Expert Jacob Sneg). We are extremely grateful to him for his sensitivity, care and attention to the needs of his customers. When Jacob Sneg works with you, you get the feeling that you are his only client. He keeps in mind all the details of your case, do not delay you with the answer, and the exchange of necessary information by e-mail and phone comes with a speed comparable only with the game of ping pong. You know that you are not the only client of Jacob and even more surprised how, with some patience and tact, he is conducting the business Heartily involvement is permeated his communication with customers of different generations, for people older Jacob is a respectful son, to peers – like an older brother, to younger people – as a caring father. Jacob Sneg is able to naturally combine professional excellence with a common humanity. Our family is with great joy and confidence recommends Jacob Sneg as a remarkable professional in his field to all your friends and acquaintances. Jacob, we wish prosperity and longevity to you, your family and your business.

Kostritsyn family

Hi Jacob and Rinat! I am absolutely very pleased to have been able to do this as your service and friendship has been above and beyond expectations of a mortgage specialist for our family! Please see below my official input and thoughts of our professional relationship.

“It has been an absolute pleasure working with Jacob and Rinat of Verico Covengo. Right from day one, we have felt a sense of trust with working with the pair. Like many people, the entire process of mortgages and refinancing can be a very stressful, we have always felt well supported by Jacob and Rinat to walk us through different scenarios with our best interest in mind. They are extremely knowledgeable and professional, every detail is always handled flawlessly. They do not see their job complete with handling just the necessities and always goes above and beyond keeping us abreast of latest trends and rates that are at present. They have proven to be well connected with many other related professionals which we have also found to be trusted, knowledgeable and trusting in the service they provide, we always take his recommendations to heart. Jacob and his team have been instrumental part of making some of family dreams come true!”! You guys have been amazing, thank you!